MAProvest Cooperative is an online cooperative society registered with the government that seeks to financially liberate aspiring, striving or thriving entrepreneur. We provide our members with access to daily earning & loans that they could use for the different aspect of their lives with no limitations. We have simplified the means to access this through our online platform

Our singular mission is to build rock of wealth in our Nation and Africa, one at a time, to effect the change every one believes and work for it, day after day as Noah built the ark

Yes, you don't need to pay any fee to become a member.

What makes us different is our flexibility and our availability to our customers. Since this cooperative society is online, it is easily accessible and the transparency is not flawed. Secondly, the easy access that our members have to our loans without asking for collateral. All these and more are what makes us standout

Our office is located at Office 48, FAAN COMPLEX, Ikeja Along Bus-Stop, Ikeja, Lagos.

Safety & Security

Savings on MAProvest Cooperative are invested in risk-free financial instruments and held securely by our Board of Trustees on behalf of our members. Your security is our major priority, so all critical customer information is encrypted and stored. Additionally, all transmission to our banking partner and on our site is via an encrypted 256-bit HTTPS SSL connection.

MAProvest Cooperative accepts debit cards issued by all Nigerian banks. We do not store your card information as we work with a PCIDSS-compliant payment processor to handle all our members’ card details and ensure all delicate data are encrypted and rendered unreadable. The PCIDSS is a standard guide, globally, that all reputable payment processors must adhere to.

MAProvest Cooperative is not a bank. CBN regulates banks. MAProvest Cooperative is an online cooperative society duly licensed and regulated by the Lagos State Government under the Cooperative Societies Act (2013) as amended.

All automated transactions are done using your debit card, as we take away the hassle that comes with banking halls. Payments for savings are made via your bank issued debit card, secure and seamless.

We have multiple security and safety layers embedded in the MAProvest Cooperative experience: Here are few of them: Bank Grade Security: Our platform and that of our payment processors are PCI-DSS compliant to ensure security of your data electronically. All cards and bank data are encrypted to prevent unauthorized access to sensitive information. Regulatory Compliance: MAProvest Cooperative is a duly licensed and regulated by the Lagos State Government under the Cooperative Societies Act (2013) as amended. All our activities are in full compliance with regulatory requirements to the ultimate protection of our clients.


The most important requirement is to become a member. After becoming a member, you must have used the MAProvest Cooperative platform to save for at least 6 months, only then can you request for a loan.

The loans are not collateralized but you need at least one guarantor to stand in for you when you apply for a loan.

There are different time frames for repayment of different loans. Each loan type comes with it’s own interest plan and time frame for repayment so there is no fixed interest rate on the loans.

Yes, you can!

Unfortunately, the answer is no, non-members can’t apply for loan at MAProvest Cooperative. To be eligible for a loan with MAProvest cooperative, you have to be a member as that is the eligibility for a loan.

A member cannot stand as a self-guarantor because it is the member who is taking the loan. Also before a person can qualify as guarantor(s), he/she must be a member of MAProvest Cooperative.

When you get selected by a member to guarantee a loan, you will be notified on your dashboard and on your email to either accept or decline the request.

You can stand as a guarantor for more than one person as long as your cumulative savings doesn’t exceed the amount you want to guarantee the parties


You can start your saving plan with as low as ₦1,000 (One thousand Naira). You can also save more every month according to your prerogative and savings plan.

When you login, you will be redirected to your dashboard where you can save, invest and earn through referrals and apply for a loan.

No, you cannot withdraw your monthly contribution. You can only start withdrawing your daily interest after 3 months of savings. If it compulsory you withdraw all your contribution, then we close down your savings and investments.

Absolutely. Our dashboard was designed with this objective in mind. You can monitor the progress of your contributions on a daily basis on our easy-to-understand dashboard. Also, we also push instant notifications to your verified email address and phone numbers for key transactions on your MAProvest Cooperative account, so nothing goes unnoticed or unapproved by you.

When you register to become a MAPRovest Cooperative member, you are to choose a contribution plan and this is fixed. However, if you intend to save more, there is a quick savings plan that allows you save as much as you want to.


How does MAProvest Cooperative Investment work? MAProvest Cooperative Investment works like a personal investment manager and adviser that lives on your smartphone, helping you invest in dollar denominated assets carefully selected to deliver safe, consistent dollar returns over time.

You can start investing from just N5,000 (Five Thousand Naira) and there is no maximum. Rise can invest for you whether you’re just starting your journey or you have millions in capital to preserve.

MAProvest Cooperative is the only platform that allows you to allocate capital across a portfolio of Agriculture, Real Estate, Transportation and Technology, all in dollars. We vet the assets for quality, long term potential and their capacity to deliver stable returns for you in all market conditions.

We are registered with CAC and hold users investments through our cooperative license. Our payment partners are regulated entities who have the due liscences to operate in Nigeria.

Returns are paid monthly for Conservative funds, Quarterly for Balanced funds and Yearly for Aggressive funds!

Yes, you can fund your account by setting up a recurring debit instruction which is automated or making one time deposit at intervals when you have excess (extra) funds!.

You can fund your account using your Naira debit card or through mobile banking transfer. Deposit instructions are on your dashboard.

For real estate and Agriculture plans, you can withdraw on maturity, and the shortest duration is 3 months. For Transportation and Technology, there is no lockup period so you can withdraw at any time. All withdrawal requests are processed within 24 hours.


Your BVN is required to validate your identity, kick against identity theft and multiple accounts. This ensures another level of safety for your funds and transactions.

Referral Program

When someone signs up to MAProvest Cooperative using your referral link/ID and save at least ₦5000, you earn ₦1000, which is paid into your Referral Earning and is available for withdrawal.

On your dashboard, navigate to the referral program page and click on “Copy Referral Link” to share on any social media platform of your choice.

Yes, you can post your Referral Link to facebook,twitter,vk,telegram,instagram or any social media to gain your referral commission. But it advisable to join so that you can tell people more about the benefit.

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